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Long Term Care

"They will never make me go to a Nursing Home." 

I hear that all the time. Or I don't need Long Term Care insurance, my family will take care of me. I hope you never do have to go to a nursing home. But what if you do? What if you don't have the option? How would it effect your family?

Check out these statistics:


  • According to testimony before the Subcommittee on Health of the House Committee on Ways and Means, given by the dean of the Georgetown Public Policy Institute, “. . . 10 million people of all ages are estimated to need long-term care, close to 40 percent of whom are under the age of 65.”

  • Based on a study by Conning & Company, 60 percent of people who reach age 65 will require long-term care at some time in their lives. If we extend that Conning & Company statistic slightly, to include the unit insurance agents most frequently counsel, i.e., couples, the risk of requiring long-term care increases further. According to an observation made in the Wall Street Journal, “ a couple turning 65 [has] a 75 percent chance that one of them will need long-term care.”

  • The National Academy of Elder Law Attorneys compared the risk of needing long-term care with the risk of other financially injurious occurrences, such as an auto accident or a fire in one’s home.

Using some basic insurance actuairal numbers comparing various risk, those relative risks look like this.

The chances of being in a:

  • Automobile accident

1 in 240

or .4%

  • A home damaged by fire

1in 1,200

or .08%

  • Long-term care facility

1 in 2

or 50%


You might say, "But Bob I can't afford a Long Term Care Program." I hear that a lot. Consider this, the average monthly cost for those in a Nursing Home facility in Indiana is just over $6000. The average stay is approaching 3 years. This number is HUGE. So I have to ask, can you afford this? 


In recent years the insurance industry has added new ways to protect your family and it may cost you nothing should you never need care. 

ASK ME HOW! Sometimes this job is so cool!

You insure your car, your home, your health and your life. Do the smart thing and protect your assets from being eaten up by LONG TERM CARE COSTS.


Contact Me

Bob Adams, CLTC, CCD

23 S 8th St Ste 800

Noblesville, IN 46060

Hamilton County


Note: by providing your phone number above or contacting me via email you are authorizing a licensed insurance agent (ME) to contact you.